This section of the FEDERAL REGISTER
contains notices to the public of the proposed
issuance of rules and regulations. The
purpose of these notices is to give interested
persons an opportunity to participate in the
rule making prior to the adoption of the final
rules.
Proposed Rules Federal Register
32172
Vol. 79, No. 107
Wednesday, June 4, 2014
DEPARTMENT OF THE TREASURY
Office of the Comptroller of the
Currency
12 CFR Chapter I
[Docket ID FFIEC–2014–0001]
BOARD OF GOVERNORS OF THE
FEDERAL RESERVE SYSTEM
12 CFR Chapter II
[Docket No. OP–1491]
FEDERAL DEPOSIT INSURANCE
CORPORATION
12 CFR Chapter III
Regulatory Publication and Review
Under the Economic Growth and
Regulatory Paperwork Reduction Act
of 1996
AGENCIES: Office of the Comptroller of
the Currency (‘‘OCC’’), Treasury; Board
of Governors of the Federal Reserve
System (‘‘Board’’); and Federal Deposit
Insurance Corporation (‘‘FDIC’’).
ACTION: Notice of regulatory review;
request for comments.
SUMMARY: The OCC, Board, and FDIC
(‘‘we’’ or ‘‘Agencies’’) are conducting a
review of the regulations we have issued
to identify outdated, unnecessary, or
unduly burdensome regulations for
insured depository institutions. This
review is required by section 2222 of the
Economic Growth and Regulatory
Paperwork Reduction Act of 1996
(‘‘EGRPRA’’). To facilitate this review,
the Agencies have divided these
regulations into 12 subject-matter
categories and identified the regulations
within each category. At regular
intervals over the next two years, the
Agencies will publish four Federal
Register requests for comment. Each
will address one or more categories. We
will invite the public to identify the
regulations in each category that they
believe are outdated, unnecessary, or
unduly burdensome for insured
depository institutions and their
regulated holding companies. This is
the first of the four Federal Register
requests for comment. In it, we are
seeking comment on the regulations in
the following three categories:
Applications and Reporting, Powers and
Activities, and International Operations.
We will address the remaining nine
categories in the three subsequent
requests for comment. To aid the public,
we also are publishing a chart that sets
forth the rules addressed in this
document, as well as those that we will
address in the remaining three.
DATES: Written comments must be
received no later than September 2,
2014.
ADDRESSES: Comments may be
submitted through the Federal
eRulemaking Portal: ‘‘Regulations.gov.’’
You can reach this portal through the
Agencies’ EGRPRA Web site, http://
egrpra.ffiec.gov. On this site, click
‘‘Submit a Comment’’ and follow the
instructions. Alternatively, go to http://
www.regulations.gov, enter ‘‘FFIEC–
2014–0001’’ in the Search Box, click
‘‘Search,’’ and click ‘‘Comment Now.’’
Those who wish to submit their
comments by an alternate means may do
so as indicated below.
OCC
We encourage commenters to submit
comments through the Federal
eRulemaking Portal, Regulations.gov, in
accordance with the previous
paragraph. Alternatively, comments
may be emailed to regs.comments@
occ.treas.gov or sent by mail to
Legislative and Regulatory Activities
Division, Office of the Comptroller of
the Currency, Mail Stop 9W–11, 400 7th
Street SW., Washington, DC 20219.
Comments also may be faxed to (571)
465–4326 or hand delivered or sent by
courier to 400 7th Street SW.,
Washington, DC 20219. For comments
submitted by any means other than
Regulations.gov, you must include
‘‘OCC’’ as the agency name and ‘‘Docket
ID FFIEC–2014–0001’’ in your
comment.
In general, the OCC will enter all
comments received into the docket and
publish them without change on
Regulations.gov. Comments received,
including attachments and other
supporting materials, as well as any
business or personal information you
provide, such as your name and
address, email address, or phone
number, are part of the public record
and subject to public disclosure.
Therefore, please do not include any
information with your comment or
supporting materials that you consider
confidential or inappropriate for public
disclosure.
You may inspect and photocopy in
person all comments received by the
OCC at 400 7th Street SW., Washington,
DC 20219. For security reasons, the OCC
requires that visitors make an
appointment to inspect or photocopy
comments. You may make an
appointment by calling (202) 649–6700.
Upon arrival, visitors will be required to
present valid government-issued photo
identification and submit to a security
screening.
Board
We encourage commenters to submit
comments regarding the Board’s
regulations by any of the following
methods:
• Agency Web site: http://
www.federalreserve.gov/apps/foia/
proposedregs.aspx. Follow the
instructions for submitting comments
on the Agency Web site.
• Federal eRulemaking Portal, in
accordance with the directions above.
• Email: regs.comments@
federalreserve.gov. Include ‘‘EGRPRA’’
and Docket No. OP–1491 in the subject
line of the message.
• FAX: (202) 452–3819.
• Mail: Robert deV. Frierson,
Secretary, Board of Governors of the
Federal Reserve System, 20th Street and
Constitution Avenue NW., Washington,
DC 20551.
In general, the Board will enter all
comments received into the docket and
publish them without change on
Regulations.gov. Comments received,
including attachments and other
supporting materials, as well as any
business or personal information you
provide, such as your name and
address, email address, or phone
number, are part of the public record
and subject to public disclosure.
Therefore, please do not enclose any
information with your comment or
supporting materials that you consider
confidential or inappropriate for public
disclosure.
You may inspect and photocopy in
person all comments received by the
Board at 20th and Constitution Avenue
NW., Washington, DC 20551. For
VerDate Mar<15>2010 14:53 Jun 03, 2014 Jkt 232001 PO 00000 Frm 00001 Fmt 4702 Sfmt 4702 E:\FR\FM\04JNP1.SGM 04JNP1
ehiers on DSK2VPTVN1PROD with PROPOSALS
contains notices to the public of the proposed
issuance of rules and regulations. The
purpose of these notices is to give interested
persons an opportunity to participate in the
rule making prior to the adoption of the final
rules.
Proposed Rules Federal Register
32172
Vol. 79, No. 107
Wednesday, June 4, 2014
DEPARTMENT OF THE TREASURY
Office of the Comptroller of the
Currency
12 CFR Chapter I
[Docket ID FFIEC–2014–0001]
BOARD OF GOVERNORS OF THE
FEDERAL RESERVE SYSTEM
12 CFR Chapter II
[Docket No. OP–1491]
FEDERAL DEPOSIT INSURANCE
CORPORATION
12 CFR Chapter III
Regulatory Publication and Review
Under the Economic Growth and
Regulatory Paperwork Reduction Act
of 1996
AGENCIES: Office of the Comptroller of
the Currency (‘‘OCC’’), Treasury; Board
of Governors of the Federal Reserve
System (‘‘Board’’); and Federal Deposit
Insurance Corporation (‘‘FDIC’’).
ACTION: Notice of regulatory review;
request for comments.
SUMMARY: The OCC, Board, and FDIC
(‘‘we’’ or ‘‘Agencies’’) are conducting a
review of the regulations we have issued
to identify outdated, unnecessary, or
unduly burdensome regulations for
insured depository institutions. This
review is required by section 2222 of the
Economic Growth and Regulatory
Paperwork Reduction Act of 1996
(‘‘EGRPRA’’). To facilitate this review,
the Agencies have divided these
regulations into 12 subject-matter
categories and identified the regulations
within each category. At regular
intervals over the next two years, the
Agencies will publish four Federal
Register requests for comment. Each
will address one or more categories. We
will invite the public to identify the
regulations in each category that they
believe are outdated, unnecessary, or
unduly burdensome for insured
depository institutions and their
regulated holding companies. This is
the first of the four Federal Register
requests for comment. In it, we are
seeking comment on the regulations in
the following three categories:
Applications and Reporting, Powers and
Activities, and International Operations.
We will address the remaining nine
categories in the three subsequent
requests for comment. To aid the public,
we also are publishing a chart that sets
forth the rules addressed in this
document, as well as those that we will
address in the remaining three.
DATES: Written comments must be
received no later than September 2,
2014.
ADDRESSES: Comments may be
submitted through the Federal
eRulemaking Portal: ‘‘Regulations.gov.’’
You can reach this portal through the
Agencies’ EGRPRA Web site, http://
egrpra.ffiec.gov. On this site, click
‘‘Submit a Comment’’ and follow the
instructions. Alternatively, go to http://
www.regulations.gov, enter ‘‘FFIEC–
2014–0001’’ in the Search Box, click
‘‘Search,’’ and click ‘‘Comment Now.’’
Those who wish to submit their
comments by an alternate means may do
so as indicated below.
OCC
We encourage commenters to submit
comments through the Federal
eRulemaking Portal, Regulations.gov, in
accordance with the previous
paragraph. Alternatively, comments
may be emailed to regs.comments@
occ.treas.gov or sent by mail to
Legislative and Regulatory Activities
Division, Office of the Comptroller of
the Currency, Mail Stop 9W–11, 400 7th
Street SW., Washington, DC 20219.
Comments also may be faxed to (571)
465–4326 or hand delivered or sent by
courier to 400 7th Street SW.,
Washington, DC 20219. For comments
submitted by any means other than
Regulations.gov, you must include
‘‘OCC’’ as the agency name and ‘‘Docket
ID FFIEC–2014–0001’’ in your
comment.
In general, the OCC will enter all
comments received into the docket and
publish them without change on
Regulations.gov. Comments received,
including attachments and other
supporting materials, as well as any
business or personal information you
provide, such as your name and
address, email address, or phone
number, are part of the public record
and subject to public disclosure.
Therefore, please do not include any
information with your comment or
supporting materials that you consider
confidential or inappropriate for public
disclosure.
You may inspect and photocopy in
person all comments received by the
OCC at 400 7th Street SW., Washington,
DC 20219. For security reasons, the OCC
requires that visitors make an
appointment to inspect or photocopy
comments. You may make an
appointment by calling (202) 649–6700.
Upon arrival, visitors will be required to
present valid government-issued photo
identification and submit to a security
screening.
Board
We encourage commenters to submit
comments regarding the Board’s
regulations by any of the following
methods:
• Agency Web site: http://
www.federalreserve.gov/apps/foia/
proposedregs.aspx. Follow the
instructions for submitting comments
on the Agency Web site.
• Federal eRulemaking Portal, in
accordance with the directions above.
• Email: regs.comments@
federalreserve.gov. Include ‘‘EGRPRA’’
and Docket No. OP–1491 in the subject
line of the message.
• FAX: (202) 452–3819.
• Mail: Robert deV. Frierson,
Secretary, Board of Governors of the
Federal Reserve System, 20th Street and
Constitution Avenue NW., Washington,
DC 20551.
In general, the Board will enter all
comments received into the docket and
publish them without change on
Regulations.gov. Comments received,
including attachments and other
supporting materials, as well as any
business or personal information you
provide, such as your name and
address, email address, or phone
number, are part of the public record
and subject to public disclosure.
Therefore, please do not enclose any
information with your comment or
supporting materials that you consider
confidential or inappropriate for public
disclosure.
You may inspect and photocopy in
person all comments received by the
Board at 20th and Constitution Avenue
NW., Washington, DC 20551. For
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ehiers on DSK2VPTVN1PROD with PROPOSALS
32173Federal Register / Vol. 79, No. 107 / Wednesday, June 4, 2014 / Proposed Rules
1 Public Law 104–208 (1996), codified at 12
U.S.C. 3311.
2 The FFIEC is an interagency body empowered
to prescribe uniform principles, standards, and
report forms for the Federal examination of
financial institutions and to make recommendations
to promote uniformity in the supervision of
financial institutions. The FFIEC does not issue
regulations that impose burden on financial
institutions and, therefore, we have not separately
captioned the FFIEC in this notice.
3 The FFIEC is comprised of the OCC, Board,
FDIC, National Credit Union Administration
(‘‘NCUA’’), Consumer Financial Protection Bureau
(‘‘CFPB’’), and State Liaison Committee. Of these,
only the OCC, Board, and FDIC are statutorily
required to undertake the EGRPRA review. The
NCUA elected to participate in the first EGRPRA
review ten years ago, and the NCUA Board again
has elected to participate in this review process.
Consistent with its approach during the first
EGRPRA review, NCUA will separately issue
notices and requests for comment on its rules. The
CFPB is required to review its significant rules and
publish a report of its review no later than five
years after they take effect. See 12 U.S.C. 5512(d).
This process is separate from the EGRPRA process.
4 Insured depository institutions also are subject
to regulations that are not required to be reviewed
under the EGRPRA process. Examples include rules
for which rulemaking authority has transferred to
the CFPB and anti-money laundering regulations
issued by the Department of the Treasury’s
Financial Crimes Enforcement Network, among
others. If, during the EGRPRA process, the Agencies
receive a comment about a regulation that is not
subject to the EGRPRA review, we will forward that
comment to the appropriate agency.
security reasons, the Board requires that
visitors make an appointment to inspect
comments. You may make an
appointment by calling (202) 452–3000.
Upon arrival, visitors will be required to
present valid government-issued photo
identification and submit to a security
screening.
FDIC
We encourage commenters to submit
comments through the Federal
eRulemaking Portal, ‘‘Regulations.gov,’’
in accordance with the directions above.
Alternatively, you may submit
comments by any of the following
methods:
• Agency Web site: http://
www.fdic.gov/regulations/laws/federal.
Follow instructions for submitting
comments on the Agency Web site.
• Email: Comments@FDIC.gov.
Include ’’EGRPRA’’ in the subject line of
the message.
• Mail: Robert E. Feldman, Executive
Secretary, Attention: Comments, Federal
Deposit Insurance Corporation, 550 17th
Street NW., Washington, DC 20429.
• Hand Delivery/Courier: Guard
station at the rear of the 550 17th Street
Building (located on F Street) on
business days between 7 a.m. and 5 p.m.
(EST).
We will post all comments received to
http://www.fdic.gov/regulations/laws/
federal without change, including any
personal information provided.
Comments may be inspected and
photocopied in the FDIC Public
Information Center, 3501 North Fairfax
Drive, Room E–1002, Arlington, VA
22226, between 9 a.m. and 5 p.m. (EST)
on business days. Paper copies of public
comments may be ordered from the
Public Information Center by calling
(877) 275–3342.
FOR FURTHER INFORMATION CONTACT:
OCC: Karen McSweeney, Counsel
(202) 649–6295; for persons who are
deaf or hard of hearing, TTY (202) 649–
5597.
Board: Walter McEwen, Senior
Counsel (202) 452–3321; Claudia Von
Pervieux, Counsel (202) 452–2552;
Matthew Bornfreund, Attorney (202)
452–3818.
FDIC: Michelle M. Borzillo, Senior
Counsel (703) 562–6083; Claude A.
Rollin, Counsel (703) 562–6327; Ann
Taylor, Counsel (202) 898–3573.
SUPPLEMENTARY INFORMATION:
I. Introduction
Congress enacted section 2222 of
EGRPRA 1 to minimize unnecessary
government regulation consistent with
safety and soundness, to promote
consistency between the Agencies’
regulations, and to support consumer
protection. The statute requires that not
less frequently than once every 10 years,
the Federal Financial Institutions
Examination Council (‘‘FFIEC’’),2 along
with the Agencies,3 conduct a review of
their regulations to identify outdated,
unnecessary, or unduly burdensome
requirements imposed on insured
depository institutions. In conducting
this review, the FFIEC or Agencies shall
(a) categorize their regulations by type
and (b) at regular intervals, provide
notice and solicit public comment on
categories of regulations, requesting
commenters to identify areas of
regulations that are outdated,
unnecessary, or unduly burdensome.4
EGRPRA also requires the FFIEC or
the Agencies to publish in the Federal
Register a summary of the comments
received, identifying significant issues
raised and commenting on these issues.
It also directs the Agencies to eliminate
unnecessary regulations to the extent
that such action is appropriate. Finally,
the statute requires the FFIEC to submit
to Congress a report that summarizes
any significant issues raised in the
public comments and the relative merits
of such issues. The report also must
include an analysis of whether the
Agencies are able to address the
regulatory burdens associated with such
issues or whether these burdens must be
addressed by legislative action.
II. The EGRPRA Review’s Targeted
Focus
The EGRPRA regulatory review
provides an opportunity for the public
and the Agencies to look at groups of
related regulations and to identify
opportunities for burden reduction. For
example, the EGRPRA review may
facilitate the identification of statutes
and regulations that share similar goals
or complementary methods where one
or more Agencies could eliminate
overlapping requirements.
Alternatively, commenters may identify
regulations or statutes that impose
requirements that are no longer
consistent with the way that business is
conducted and that, therefore, the
Agencies might eliminate.
The EGRPRA review also provides the
Agencies and the public with an
opportunity to consider how to reduce
burden on community banks and other
small, insured depository institutions or
holding companies. We are keenly
aware of the role that these institutions
play in providing consumers and
businesses across the nation with
essential financial services and access to
credit, and we are concerned about the
impact of regulatory burden on these
smaller institutions. We understand that
when an Agency issues a new regulation
or amends a current regulation, smaller
institutions may have to devote
considerable resources to determine if
and how the regulation will affect them.
Through the public comment process,
the EGRPRA review can help the
Agencies identify and target regulatory
changes to reduce burden on these
smaller institutions.
Burden reduction must, however, be
compatible with the safety and
soundness of insured depository
institutions, their affiliates, and the
financial system as a whole. It also must
be consistent with the Agencies’
statutory mandates, many of which
require the issuance of regulations.
EGRPRA recognizes that effective
burden reduction may require
legislative change. Accordingly, as part
of this review, we specifically ask the
public to comment on the relationship
among burden reduction, regulatory
requirements, and statutory mandates.
In addition, we note that the Agencies
also consider regulatory burden each
time we propose, adopt, or amend a
rule. For example, under the Paperwork
Reduction Act of 1995 and the
Regulatory Flexibility Act, the Agencies
assess each rulemaking with respect to
the burdens the rule might impose.
Furthermore, we invite the public to
comment on every rule we propose, as
VerDate Mar<15>2010 14:53 Jun 03, 2014 Jkt 232001 PO 00000 Frm 00002 Fmt 4702 Sfmt 4702 E:\FR\FM\04JNP1.SGM 04JNP1
ehiers on DSK2VPTVN1PROD with PROPOSALS
1 Public Law 104–208 (1996), codified at 12
U.S.C. 3311.
2 The FFIEC is an interagency body empowered
to prescribe uniform principles, standards, and
report forms for the Federal examination of
financial institutions and to make recommendations
to promote uniformity in the supervision of
financial institutions. The FFIEC does not issue
regulations that impose burden on financial
institutions and, therefore, we have not separately
captioned the FFIEC in this notice.
3 The FFIEC is comprised of the OCC, Board,
FDIC, National Credit Union Administration
(‘‘NCUA’’), Consumer Financial Protection Bureau
(‘‘CFPB’’), and State Liaison Committee. Of these,
only the OCC, Board, and FDIC are statutorily
required to undertake the EGRPRA review. The
NCUA elected to participate in the first EGRPRA
review ten years ago, and the NCUA Board again
has elected to participate in this review process.
Consistent with its approach during the first
EGRPRA review, NCUA will separately issue
notices and requests for comment on its rules. The
CFPB is required to review its significant rules and
publish a report of its review no later than five
years after they take effect. See 12 U.S.C. 5512(d).
This process is separate from the EGRPRA process.
4 Insured depository institutions also are subject
to regulations that are not required to be reviewed
under the EGRPRA process. Examples include rules
for which rulemaking authority has transferred to
the CFPB and anti-money laundering regulations
issued by the Department of the Treasury’s
Financial Crimes Enforcement Network, among
others. If, during the EGRPRA process, the Agencies
receive a comment about a regulation that is not
subject to the EGRPRA review, we will forward that
comment to the appropriate agency.
security reasons, the Board requires that
visitors make an appointment to inspect
comments. You may make an
appointment by calling (202) 452–3000.
Upon arrival, visitors will be required to
present valid government-issued photo
identification and submit to a security
screening.
FDIC
We encourage commenters to submit
comments through the Federal
eRulemaking Portal, ‘‘Regulations.gov,’’
in accordance with the directions above.
Alternatively, you may submit
comments by any of the following
methods:
• Agency Web site: http://
www.fdic.gov/regulations/laws/federal.
Follow instructions for submitting
comments on the Agency Web site.
• Email: Comments@FDIC.gov.
Include ’’EGRPRA’’ in the subject line of
the message.
• Mail: Robert E. Feldman, Executive
Secretary, Attention: Comments, Federal
Deposit Insurance Corporation, 550 17th
Street NW., Washington, DC 20429.
• Hand Delivery/Courier: Guard
station at the rear of the 550 17th Street
Building (located on F Street) on
business days between 7 a.m. and 5 p.m.
(EST).
We will post all comments received to
http://www.fdic.gov/regulations/laws/
federal without change, including any
personal information provided.
Comments may be inspected and
photocopied in the FDIC Public
Information Center, 3501 North Fairfax
Drive, Room E–1002, Arlington, VA
22226, between 9 a.m. and 5 p.m. (EST)
on business days. Paper copies of public
comments may be ordered from the
Public Information Center by calling
(877) 275–3342.
FOR FURTHER INFORMATION CONTACT:
OCC: Karen McSweeney, Counsel
(202) 649–6295; for persons who are
deaf or hard of hearing, TTY (202) 649–
5597.
Board: Walter McEwen, Senior
Counsel (202) 452–3321; Claudia Von
Pervieux, Counsel (202) 452–2552;
Matthew Bornfreund, Attorney (202)
452–3818.
FDIC: Michelle M. Borzillo, Senior
Counsel (703) 562–6083; Claude A.
Rollin, Counsel (703) 562–6327; Ann
Taylor, Counsel (202) 898–3573.
SUPPLEMENTARY INFORMATION:
I. Introduction
Congress enacted section 2222 of
EGRPRA 1 to minimize unnecessary
government regulation consistent with
safety and soundness, to promote
consistency between the Agencies’
regulations, and to support consumer
protection. The statute requires that not
less frequently than once every 10 years,
the Federal Financial Institutions
Examination Council (‘‘FFIEC’’),2 along
with the Agencies,3 conduct a review of
their regulations to identify outdated,
unnecessary, or unduly burdensome
requirements imposed on insured
depository institutions. In conducting
this review, the FFIEC or Agencies shall
(a) categorize their regulations by type
and (b) at regular intervals, provide
notice and solicit public comment on
categories of regulations, requesting
commenters to identify areas of
regulations that are outdated,
unnecessary, or unduly burdensome.4
EGRPRA also requires the FFIEC or
the Agencies to publish in the Federal
Register a summary of the comments
received, identifying significant issues
raised and commenting on these issues.
It also directs the Agencies to eliminate
unnecessary regulations to the extent
that such action is appropriate. Finally,
the statute requires the FFIEC to submit
to Congress a report that summarizes
any significant issues raised in the
public comments and the relative merits
of such issues. The report also must
include an analysis of whether the
Agencies are able to address the
regulatory burdens associated with such
issues or whether these burdens must be
addressed by legislative action.
II. The EGRPRA Review’s Targeted
Focus
The EGRPRA regulatory review
provides an opportunity for the public
and the Agencies to look at groups of
related regulations and to identify
opportunities for burden reduction. For
example, the EGRPRA review may
facilitate the identification of statutes
and regulations that share similar goals
or complementary methods where one
or more Agencies could eliminate
overlapping requirements.
Alternatively, commenters may identify
regulations or statutes that impose
requirements that are no longer
consistent with the way that business is
conducted and that, therefore, the
Agencies might eliminate.
The EGRPRA review also provides the
Agencies and the public with an
opportunity to consider how to reduce
burden on community banks and other
small, insured depository institutions or
holding companies. We are keenly
aware of the role that these institutions
play in providing consumers and
businesses across the nation with
essential financial services and access to
credit, and we are concerned about the
impact of regulatory burden on these
smaller institutions. We understand that
when an Agency issues a new regulation
or amends a current regulation, smaller
institutions may have to devote
considerable resources to determine if
and how the regulation will affect them.
Through the public comment process,
the EGRPRA review can help the
Agencies identify and target regulatory
changes to reduce burden on these
smaller institutions.
Burden reduction must, however, be
compatible with the safety and
soundness of insured depository
institutions, their affiliates, and the
financial system as a whole. It also must
be consistent with the Agencies’
statutory mandates, many of which
require the issuance of regulations.
EGRPRA recognizes that effective
burden reduction may require
legislative change. Accordingly, as part
of this review, we specifically ask the
public to comment on the relationship
among burden reduction, regulatory
requirements, and statutory mandates.
In addition, we note that the Agencies
also consider regulatory burden each
time we propose, adopt, or amend a
rule. For example, under the Paperwork
Reduction Act of 1995 and the
Regulatory Flexibility Act, the Agencies
assess each rulemaking with respect to
the burdens the rule might impose.
Furthermore, we invite the public to
comment on every rule we propose, as
VerDate Mar<15>2010 14:53 Jun 03, 2014 Jkt 232001 PO 00000 Frm 00002 Fmt 4702 Sfmt 4702 E:\FR\FM\04JNP1.SGM 04JNP1
ehiers on DSK2VPTVN1PROD with PROPOSALS